Federal Disability Retirement under FERS: Spectator Sports

Psychologists and commentators in general have had a field day (yes, the bad pun is intentional — but who can avoid it?) with analyzing and providing “expert” opinions on the matter, which essentially plays with (yes, yes, another bad pun) the following question: Why are people so enamored by watching others play a game?  What is it about the concept of spectator sports that draws such a crow?  What is it about being part of a “team” that results in people acting in such bizarre ways?

It is, of course, an easy transition to other areas of one’s life — from spectator sports to the political rally; of parades and cheering crows; of legions of a cheering populace gathered to welcome the Roman troops returning from battle; of D-Day and V-J Day; of the stadiums filled for the World Cup in Soccer to the excesses of the Super Bowl; of March Madness and the tradition of Friday Football (High Schools), Saturday Football (Colleges) and Sunday Pro football games; and what the Covid-19 Pandemic reflected when everyone was shut in, but with curtailed capacity to view such spectator sports.

What does it reveal about us?  Had the Romans, with their vast coliseums, already figured out the human psychology — of the need for spectator sports — in order to satisfy the blood-thirsty need of a restless populace?

For Federal employees and U.S. Postal workers who are needing to filing for Federal Disability Retirement benefits under FERS, hiring a disability attorney who specializes in Federal Medical Retirement Law is often approached as one does a spectator sport: Who has the highest winning percentage?  What Law Firm will treat me as a “team member”?  And, the flip side is also true, concerning the perspective of the Agency: “How will my ‘team’ (the Agency) treat me?” “How will my team react?”

Whether fortunate or unfortunate, the psychology of spectator sports is how everyone views things, but for the Federal or Postal employee who is ready to contact a FERS Disability Lawyer to initiate the process of OPM Disability Retirement, understand that trying to get an Federal Disability Retirement is ultimately not a spectator sport; for, it is the reality of a life endeavor, and your full participation will be needed on the “field” of the early retirement process.

Sincerely,

Robert R. McGill
Lawyer exclusively representing Federal and Postal employees to secure their Federal Disability Retirement benefits under FERS from the U.S. Office of Personnel Management.

 

FERS Medical Retirement Law: Of Better Times Before

We like to think that; of filtered memories downstream where the pond is pristine and pure.  But the question remains:  Were they?

Romanticization of “before” is a capacity uniquely human.  Today, we even think of better wars before — of World War II, and even of that “Great War to end all wars” — WWI.  To have endured and survived The Great Depression was to have experienced some grand period of American history;  for, of better times before is of a time where communities were intact, children didn’t have the traumas of modernity, and life didn’t have the complexities of Smartphones, Facebook, Instagram and computerized conundrums.

Of better times before — before what?  Before when?

For Federal employees and U.S. Postal workers who suffer from a health condition, the “before when” is answered quite easily:  Before the onset of the medical condition.  And the “before what” is also discernible:  Of that time before when the medical condition was manageable, and it did not interfere with the ability and capacity to perform all of the essential elements of one’s Federal or Postal Service job.

Is it true — of better times before?

It depends upon the time period; but certainly, when health was thoughtlessly taken for granted, there were better times before, and in the comparative “now”, the way forward is to consider preparing an effective FERS Disability Retirement application, and have the time to attend to one’s health in order to reach that dreamland of better times before.

Sincerely,

Robert R. McGill
Lawyer exclusively representing Federal and Postal employees to secure their Federal Disability Retirement benefits under FERS from the U.S. Office of Personnel Management.

 

Office of Personnel Management (OPM) Disability Law: The Evolution

Some still doubt it; the Roman Catholic Church has never made a very big deal about it, and accepted it as merely another mystery to be avoided; and over the course of many decades, the “theory” itself has evolved.

Various conservative religious groups have tried to counter the idea by maintaining that:  A. Only the literal translation of scriptural texts is acceptable and  B. Engaging in contorted math calculations to limit the age of the universe and attacking scientific methodologies of “dating” the age of the earth, etc., constitutes a valid rebuttal.

Aside from all of this, however, the current pandemic and the ease with which viruses can adapt and change, only reinforces the view that evolution does, in fact, occur, whether in the form of adaptive viruses or in the law.  Of course, evolution “in the law” is somewhat different in form, in that such changes do not alter the features of a species — but it does, analogously to species-centered evolution — occur in incremental stages, over a long period of time, and over many years.

The Laws governing Federal Disability Retirement have changed over many years, where judges have issued opinions interpreting the statutes and regulations, thereby “changing” the appearance of the original entity.  Whether you agree with Darwin or the current laws governing Federal Disability Retirement, you must adapt to such changes — which, again, reinforces the very idea of evolution itself.

Contact an OPM Disability Retirement Attorney who specializes in Federal Disability Retirement Law, lest you fail to evolve along with the evolution of disability retirement laws which govern OPM Disability Retirement Law.

Sincerely,

Robert R. McGill
Lawyer exclusively representing Federal and Postal employees to secure their Federal Disability Retirement benefits under FERS from the U.S. Office of Personnel Management.

 

Medical Retirement for FERS Employees: The Person You are Not

We are, of course, both the person of whom we present, as well as the person we are not — not known as; not publicly announced; not revealed.  Much of the private life of those we publicly admire or hold up on pedestals turn out to be ugly and better left alone.  Things which have been hidden and concealed are done often for good reasons: the light of public display is not where the creepy-crawlies of one’s life should be.

The old adage is normally true: If you want to admire a public figure, don’t go looking under the rocks and closets, lest what is revealed might dampen your enthusiasm of admiration.  Yet, for the ordinary person, the person you are not is merely that part of you which not too many are familiar with, but which reveals the greater essence — of hobbies unknown; of kind acts not publicly shared; of a remarkable past undiscovered, etc.  We are never the person “just” as we appear.

That is why, for Federal and Postal employees who suffer from a medical condition such that the medical condition prevents the Federal or Postal employee from performing one or more of the essential elements of one’s Federal or Postal job — the tawdry and uncaring attitude of one’s Federal agency or Postal unit when a person needs to file for OPM Disability Retirement benefits under FERS is often quite hurtful.

For, to be relegated as merely that person who wants to get a “benefit” while ignoring the lifetime of dedication to work and trying to do the best one can while struggling with a medical condition is to view the person in a one-dimensional way.  OPM has a tendency to do that — of treating you as the person you are not, especially when they deny you and characterize your application in a way that should not be.

Contact an OPM Lawyer who specializes in FERS Disability Retirement Law and begin the process of getting your retirement benefits approved so that you can go on your way to being the person you are, and not the person you are not.

Sincerely,

Robert R. McGill, Lawyer 
OPM Disability Retirement Lawyer

    

OPM Medical Retirement for Federal Government Employees: Avoidance

It is a common tool of the psyche and ego; by engaging in it, one skirts around an issue, and like its cousin, procrastination, it allows for a period of calm respite.  Avoidance is a form of procrastination; both allow for the subject of their common focus to fester, to grow, to loom large in the background without attending to its causes.

Say you are standing in your bedroom; it is raining; there is a patch of discoloration in the ceiling.  You wonder if the roof is leaking.  You pass it off as bad eyesight, or some other reason, and turn away, avoiding the problem by simply ignoring it.  The next time it rains, you sneak a peek and, sure enough, the discoloration has expanded, but you say to yourself, “Well, there is no actual drip from the ceiling, so perhaps it is not a leak, after all, but merely some accumulating condensation”.

Now, whatever “some accumulating condensation” may mean, it still points to a problem that should be attended to, but instead, the obscure-sounding phrase seems to explain an otherwise clearly-growing problem, and thus the next step in the avoidance-process has begun: Explaining it away, as opposed to tackling the core of the problem itself.

Avoidance is a natural defense mechanism inherent in us all; it allows us to extend our need to limit confronting something which we do not desire to engage.

For Federal employees and U.S. Postal workers who suffer from a medical condition such that the medical condition prevents the Federal or Postal worker from performing all of the essential elements of one’s Federal or Postal position, avoidance of facing either the medical problem itself, or its impact upon your capacity and ability to perform your job, is often a problem which allows the issue to loom larger than necessary.

Consult with an attorney who specializes in FERS Disability Retirement Law, and allow for the avoidance to be confronted by an experienced attorney, thus further avoiding direct engagement with the issues, yet allowing for the attorney to address the core issue: Preparing, formulating and filing an effective Federal Disability Retirement application, to be submitted to the U.S. Office of Personnel Management.

Sincerely,

Robert R. McGill, Esquire

 

Federal & Postal Disability Retirement from OPM: The parade that fades

Parades are often forlorn events.  The pomp and circumstance that brings forth the loud serenade of trumpets, drums and cadence of disparate groups; the sequence of human colonnades marching to the beat of rhythmic blares where medals gleam in the glint of sunlight’s twilight; and when the speeches end and the parade that fades leaves but for the leaflets that once announced of its impending arrival, the hearts that once fluttered in anticipation of the marching band that lost its footing may but be a glimmer of tomorrow’s hope.

Parades celebrate, and the participants engage the public eye to put on a show of appreciation, but do they voluntarily come together, or are they merely compensated workers ordered to appear?  And when once the parade fades, what happens to those left behind, of the grieving widows and children left orphaned, and the pinning of medals that sang the mournful hollow of a priceless life?

Other lives march on; it is the forgotten ones that inhabit an earth that continues on in haunting groups of voiceless sorrow, for years on end without the recognition noted but for that singular day on the parade grounds, where glory once revived and then soon forgotten.  Much of life is like that, isn’t it?

Like a parade that is put on, lasts for a day, or perhaps merely a part thereof, and then soon to be forgotten except for memories that are seared with a grimace and graceless utterances of voices once remembered and now merely a fading vestige, if that.  What was the fanfare for?  Do we even remember? What was said in the speech now faded but for glory’s once grand applause?  Do we even care?

For Federal employees and U.S. Postal workers who suffer from a medical condition, where the medical condition begins to prevent the Federal or Postal worker’s attempt to continue his or her career because the progressively worsening medical condition itself is preventing one from performing one or more of the essential elements of one’s job — the end of one’s career may be likened to the parade that fades.

That sense of belonging; that feeling that life’s cadence included you in the marching band of the colorful parade; of being part of a team, with a sense of coherence and purpose; but like all parades, the day’s end ultimately comes.  Whether you are under FERS, CSRS or CSRS Offset, the sinking feeling that the parade that fades may mean that there is no longer the trumpet’s blare or the drumbeat of life’s cadence is simply a fear within that does not reflect reality.

Tomorrow, the sun will still shine and the birds will yet sing; the grounds will still be there, and preparing, formulating and filing an effective Federal Disability Retirement application, to be filed with the U.S. Office of Personnel Management is merely changing the venue of where the next parade will be held, thus replacing the parade that fades at the end of this day alone.

Sincerely,

Robert R. McGill, Esquire

 

Lawyer Representation for OPM Disability Claims: The price paid

That is the question, isn’t it?  In this monetary-based system of thought, we always ask that one, and the follow-up:  What was the price paid, and was it worth it? Are the two questions and issues divisible, or are they inseparably linked like Siamese twins sharing a vital organ?

As to the first, the question can encompass an entanglement of intricate complexities that flow from the second — when, in fact, it is a simple question requiring merely a fundamental answer.  We ask first, What is the price paid?

We begin to hem and haw and hesitate:  Well, it was really beautiful and I’ve always wanted it and it was worth it because it brought back the warmth of childhood memories and….  Once such explanations and justifying delineations occur, you have conflated the second issue into the first; for, the first requires a simple and straightforward answer:  the dollar-amount; a monetarily-objective response; a unit from a designated numerical set, etc.  Thus: “I bought X”.  “How much did you pay for it?”  “It was priced at X-dollars, and I purchased it for Y-amount”.

Then, the inevitable follow-up:  “Was it worth it?”  It is this second question that evokes a conflation with the first; for, such a query is not so simple inasmuch as it involves psychology, emotion, rational and irrational underpinnings, and the subjective encompassment of often-unexplainable attachments.

The worth of a thing may not parallel the price of it; for, what what paid for it can spread throughout a spectrum of differentiating circumstances:  Perhaps one got a bargain; maybe the seller didn’t realize the true market value and vastly underpriced it; or, it may be that a person needed to do a “quick sale” because he needed the cash, and was willing to part with it at a basement-bargain price, etc.

Take the following hypothetical:  At an auction, a painting is bid upon.  It is a rather unassuming piece that depicts a woman, fully clothed, with a slight smile.  It is not an exceptional painting, and is expected to be auctioned off for about a thousand dollars.  The bidding begins, and very quickly, it becomes clear that primarily 2 individuals are vying for the painting — one, a very wealthy individual; the other, a middle-class bloke barely able to meet his monthly debts.  The bidding exceeds the expected price to be gained by the auctioneer, which makes him happy beyond description.

This is the cake that dreams are made of for the auction house that expects very little:  Two or more individuals who are willing to pay a price exceeding the monetary worth of the item.  After a series of back-and-forth bids, the middle-class bloke wins the bid — at $20,000.00.  When later asked about it, he replies: “The painting reminds me of my mother.”  Bankrupt and considered a fool by everyone in the neighborhood, he nevertheless feels for the rest of his life that it “was worth it”.

Now, turn the hypothetical around and let’s say that the wealthy man won the bidding.  When asked about it, he simply stated: “Oh, I was just bored.  I plan on trashing the painting when I get home, but it was exciting to just rob someone else of his desire and pleasure.”  In either case, was the price paid “worth” it?

That is the question that Federal and Postal workers have to answer when determining whether or not to file for Federal Disability Retirement benefits from the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset — the price of one’s health; whether it is worth continuing in a job or career that persists upon a track to demoralize, deteriorate and destroy one’s health; or, whether a reduced income at the price of being able to focus upon one’s health may be “worth” it.

Preparing, formulating and filing for Federal Disability Retirement benefits through OPM itself has a price — of the long wait, the complex administrative process and the stress of waiting; but like the painting being bid upon at the auction house, it is always the balancing of the price paid and the worth of the gain that must be considered when preparing, formulating and filing for OPM Disability Retirement benefits.

Sincerely,

Robert R. McGill, Esquire

 

Federal Disability Retirement: The vacation that wasn’t

When is a vacation no longer one?  Is it when we take work with us, sit upon the sands of timeless recreation — but with a laptop or a pile of papers that are kept weighted down by a crumpled towel and children asking or demanding for immediacy of attention becoming distant noises of irritation and not the gaiety of sharing?

Or, is the intrusion upon our insular universe — you know, the mind’s eye behind the blank stare; the constant rumination of what we expect and anticipate upon our return; the angst over the backup of emails that will await us upon our return; the fear and knowledge that some devious action has been planned for by our boss or coworkers, or perhaps both in conjunction within a conspiratorial scheme no longer veiled with declared foreknowledge and barely hidden beneath the seething tides of backstabbing dominions?

Even that 3-day weekend, or the weekly routine of the 2-day weekend; they are no longer refreshments from the toil and rumination of worry and anxiety, panic-stricken with sleepless nights and dreams that once gave a fading smile but now urging you to wake up in the middle of the night drenched in pools of sweat for nightmares that won’t leave you alone.

The vacation that wasn’t — isn’t — is the one that no longer refreshes and cannot be looked forward to because the anticipation of what will be left behind becomes too overwhelming to bear.

For Federal employees and U.S. Postal workers who suffer from a medical condition, such that the medical condition has begun to prevent the performance of one or more of the essential elements of the Federal or Postal position, when the vacation that cannot be taken is the one that cannot be enjoyed becomes a constancy of regressive acts of futility, then it is time to consider preparing, formulating and filing an effective Federal Disability Retirement application, to be filed with the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset.

Where weekends merely become a refuge to recuperate for the following Monday, but where such rest and attempted refreshment is merely likened to the proverbial struggle of rearranging the chairs upon a sinking ship, then consideration must be given to the quality of one’s life, as opposed to the quantity of life’s misgivings.

The vacation that wasn’t — it is the one that no longer refreshes because one’s medical condition has exceeded any benefits derived from trying to do more than what the body will any longer allow for, and that is the time to then consider preparing, formulating and filing an effective Federal Disability Retirement application, so that you may focus upon the priorities of life: One’s health and future well-being.

Sincerely,

Robert R. McGill, Esquire

 

How much OPM Disability Retirement Pays?

“What will the benefit pay?”  That is often the primary concern of a Federal or Postal employee who must consider filing for Federal Disability Retirement benefits through the Federal Employees Retirement System (FERS), and it is certainly a valid first question.

The greater concern that cannot be overlooked, however, is the one that involves calculating the cost of NOT filing.  In the end, those Federal and Postal employees who must consider filing for Federal Disability Retirement benefits have three fundamental options: Stay put; resign and do nothing (or wait for termination/separation proceedings to occur, which amounts to the same thing); or file for Federal Disability Retirement benefits under FERS.

The benefit of a Federal Disability Retirement annuity is quite simply calculated as 60% of the average of one’s highest three consecutive years of service for the first year (offset by 100% of any Social Security Disability benefits received during the concurrent payments received) and 40% of the average every year thereafter (offset by 60% of any Social Security Disability payments received during those years), until age 62, at which point the Federal Disability annuity is recalculated as “regular retirement” based upon the total number of years of Federal Service, including the time that the disability retiree has been on Federal Disability Retirement.

Thus, the “greater” benefit in calculating the cost has to take into account the fact that one is actually “building up” one’s own retirement by the years one stays on disability retirement — for, those very years that you are receiving a disability retirement annuity count towards the total number of years of Federal Service when it is recalculated as “regular” retirement at the age of 62.

Yes, it is true that on the cost/benefit ledger that one should review before filing for Federal Disability Retirement benefits, you need to take into account the lesser income and the lengthy bureaucratic process that must be engaged, but you should also never forget what the originating basis for considering such filing compelled the consideration in the first place: Your health.

Calculating the cost of filing for Federal Disability Retirement benefits too often places the emphasis on what is lost — in terms of monetary gain and loss, etc.  But in calculating the cost of filing an effective Federal Disability Retirement application, to be submitted and considered to and by the U.S. Office of Personnel Management, the primary issue involves one’s deteriorating health and whether you can continue to remain in a job which has clearly become inconsistent with the medical conditions one is suffering from.

In the end, calculating the cost must go beyond the lessening of income; it must calculate the cost of one’s health, which is the single greatest asset one possesses.

Sincerely,

Robert R. McGill, Esquire

 

Federal Employee Disability Retirement: Game changers

Rarely do we have advantages in life.  Instead, most challenges are full of obstacles in our way, advantages tipped in favor of another’s, and an imbalance that seems to make life’s lottery of spectral choices a weighted unfairness that no amount of complaining seems to make a difference about.  We hear about them; yet, they rarely attend to our own needs nor join “our team”.

Game changers are those influences or components that suddenly make winning more favorable.  They normally become a part of the “other” team, but every now and again, life may throw a ray of sunshine down our path, and game changers become an element of one’s own “team”.  Perhaps it is a secret piece of knowledge no one else is privy to; or a piece of information that others have not yet been provided access to; or a person with exceptional talent who has given indications of sympathy to a particular cause; or even a new methodological approach that has not yet been widely disseminated.

Whatever the element of advantage, game changers open up circumstances that favor the success of one side over another, and appear at an optimum time when others have yet to prepare for the surprise addition.  At least, that is what they appear to do in novels, movies, plays and fictional life.  In real life, there are rarely such advantageous elements that make a difference.  Instead, most of life is a steady monotony of hard work, less complaining and a representation of the tortoise-like ethic as opposed to the hare that dashes off and runs ahead of everyone else.

For Federal employees and U.S. Postal workers who suffer from a medical condition, such that the medical condition prevents the Federal or Postal worker from performing one or more of the essential elements of one’s Federal or Postal job, the concept of a “game changer” should be a familiar one.  For, when the medical condition first began to impact one’s health, that– in and of itself — was a game-changer: against you.  And when your work began to suffer because of the medical condition — that, too — was a game-changer: against you.  And when you needed to take excessive Sick Leave and Annual Leave, then LWOP, that was again a game-changer – again and too familiarly, against you.

It is perhaps time to begin preparing a Federal Disability Retirement application through the U.S. Office of Personnel Management; that, too, may be a “game changer”; but this time, in your favor, so that you can perhaps begin to focus upon the changing games that need a true game changer – your own health.

Sincerely,

Robert R. McGill, Esquire